Question : What affordable health insurance would you recommend for my uninsured 21 year old daughter?
She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime.thanks everyone!
- asked by sun4ever
All Answers:
Answer #1
I have news for you, if she doesn't have insuranceNOW, she's going to be screwed. If she haspre-existing conditions and gets private healthinsurance, they are not going to approve ANYTHINGrelated to those conditions for at least ayear.Her best bet is signing up with her employerat the next open enrollment and paying the higherpremiums. Then she can get a secondary insurancefor a year and drop the employer's insurance plan.
- answered by triodifresco
Answer #2
Health insurance is obviously tied to your lifestyle, sports activities etc., and in many casesinherent illness in the family. If your daughterhas problems she would have to declare them toinsurance co. and this will put premium up. Ifshe doesn't declare then when she is ill and theycheck her medical records they will not pay out.So get quotes and compare with existing policythat her employer runs. I would suggest that sheis better off on the works one until she changesher job.
- answered by navi
Answer #3
CIGNA is pretty good. I have their StarbridgeChoices plan. I pay 21 dollars every two weeks formy husband and i.
- answered by trishypatrick
Answer #4
this link will helpu
http://www.archive.org/details/healthcarecovera00unit
- answered by dremadagwa
Answer #5
An individual policy may be less expensive,however an individual health policy can do severalthings depending on her health issue. They couldincrease the premium, they could exclude herhealth issue from 6 months to permanently, or theycould decline to accept her. A call to a localagent that works with all the major companies inyour area could answer your question.A grouppolicy has to accept her. They may exclude thepre-existing condition up to 1 year but it may beher only choice. Everyone on the group policy paysthe same premium, no matter their age or health.The bad news is if the group is small enough andif her condition is expensive it would eventuallyraise the premium for the entire group.
- answered by Zarnev
| 
measure and fulfill your financial needs
